10726407

Identifying Consumers in a Transaction via Facial Recognition

PublishedJuly 28, 2020
Assigneenot available in USPTO data we have
Technical Abstract

Patent Claims
20 claims

Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.

Claim 1

Original Legal Text

1. A computer-implemented method to identify users at locations by comparing facial imaging of users against facial templates of users known to be at particular locations, comprising: by a computing device: receiving, from one or more computing devices, one or more facial templates, each facial template associated with a corresponding user associated with a corresponding user computing device that received a broadcasted identifier at a location and retransmitted the identifier to one or more other computing devices, each facial template comprising a representation of a respective facial image of the respective user; capturing a facial image of the particular user; generating a facial template of the particular user based on the facial image of the particular user, wherein the facial template of the particular user is a representation of the facial image of the particular user; determining a similarity between the generated facial template and each of the one or more stored facial templates; identifying a particular received facial template as corresponding to the generated facial template of the particular user based on the determined similarity between the generated facial template and the particular received facial template exceeding a threshold value indicating that the received facial template corresponds to the generated facial template of the particular user; and transmitting a response to a request to identify a user comprising an indication of the identified particular user.

Plain English Translation

A computer-implemented method identifies users at a location by comparing captured facial images to known facial templates. A local computing device receives facial templates from a central system. These templates represent users whose mobile devices are currently at the location, having received a local broadcast identifier (e.g., from a beacon) and reported their presence to the central system. The local computing device then captures a facial image of a person, generates a facial template from it, and compares it against the received templates. If the similarity between the captured person's template and a received template exceeds a set threshold, the person is identified. The local computing device then transmits a response containing the identified user's information.

Claim 2

Original Legal Text

2. The method of claim 1 , further comprising receiving, by the computing device, a request to identify the user.

Plain English Translation

A computer-implemented method identifies users at a location by comparing captured facial images to known facial templates. A local computing device first receives a request to identify a user. It then receives facial templates from a central system. These templates represent users whose mobile devices are currently at the location, having received a local broadcast identifier (e.g., from a beacon) and reported their presence to the central system. The local computing device then captures a facial image of a person, generates a facial template from it, and compares it against the received templates. If the similarity between the captured person's template and a received template exceeds a set threshold, the person is identified. The local computing device then transmits a response containing the identified user's information.

Claim 3

Original Legal Text

3. The method of claim 1 , wherein capturing the facial image of the particular user comprises: capturing, by a camera module of the computing device, a video feed of an environment external to the computing device, wherein the environment external to the computing device comprises a user located in proximity to one or more merchant system point of sale devices; and extracting, by the computing device, the facial image of the particular user from the video feed.

Plain English Translation

A computer-implemented method identifies users at a location by comparing captured facial images to known facial templates. A local computing device receives facial templates from a central system. These templates represent users whose mobile devices are currently at the location, having received a local broadcast identifier (e.g., from a beacon) and reported their presence to the central system. To capture a facial image of a specific user, the local computing device, using its camera module, captures a continuous video feed of the surrounding environment, which includes users located near one or more merchant point-of-sale (POS) devices. It then extracts the facial image of the particular user from this video feed. A facial template is generated from this extracted image and compared against the received templates. If a match is found, the user is identified, and a response containing the identified user's information is transmitted.

Claim 4

Original Legal Text

4. The method of claim 2 , wherein the request to identify the user is received from a merchant system point of sale device, and wherein the response to the request to identify the user is transmitted to the merchant point of sale device.

Plain English Translation

A computer-implemented method identifies users at a location by comparing captured facial images to known facial templates. A local computing device first receives a request to identify a user from a merchant point-of-sale (POS) device. It then receives facial templates from a central system. These templates represent users whose mobile devices are currently at the location, having received a local broadcast identifier (e.g., from a beacon) and reported their presence to the central system. The local computing device then captures a facial image of a person, generates a facial template from it, and compares it against the received templates. If the similarity between the captured person's template and a received template exceeds a set threshold, the person is identified. The local computing device then transmits a response containing the identified user's information to the merchant POS device.

Claim 5

Original Legal Text

5. The method of claim 4 , further comprising, processing, by the merchant point of sale device, a transaction using payment account information associated with the identified user.

Plain English Translation

A computer-implemented method identifies users at a location by comparing captured facial images to known facial templates. A local computing device first receives a request to identify a user from a merchant point-of-sale (POS) device. It then receives facial templates from a central system. These templates represent users whose mobile devices are currently at the location, having received a local broadcast identifier (e.g., from a beacon) and reported their presence to the central system. The local computing device then captures a facial image of a person, generates a facial template from it, and compares it against the received templates. If the similarity between the captured person's template and a received template exceeds a set threshold, the person is identified. The local computing device then transmits a response containing the identified user's information to the merchant POS device. Subsequently, the merchant POS device processes a transaction using payment account information associated with this identified user.

Claim 6

Original Legal Text

6. The method of claim 3 , further comprising, by the computing device: determining, based on a frame of the video feed, a position of a face of the user and positions of each of the one or more point of sale devices at the merchant location; and assigning, based on distances between the face of the user and each of the one or more point of sale devices in the frame of the video feed, the user to a particular point of sale device of the one or more point of sale devices, wherein the indication of the identity of the user further comprises an identifier of the particular point of sale device and an indication of the assignment of the user to the particular point of sale device.

Plain English Translation

A computer-implemented method identifies users at a location by comparing captured facial images to known facial templates. A local computing device receives facial templates from a central system. These templates represent users whose mobile devices are currently at the location, having received a local broadcast identifier (e.g., from a beacon) and reported their presence to the central system. The local computing device, using its camera, captures a continuous video feed of the environment, including users near point-of-sale (POS) devices. It then extracts a facial image of a specific user from this feed. From a frame of the video feed, the computing device determines the position of the user's face and the positions of one or more POS devices at the merchant location. Based on the distances between the user's face and each POS device, the user is assigned to a particular POS device. A facial template is generated from the extracted image and compared against the received templates. If a match is found, the user is identified. The local computing device then transmits a response containing the identified user's information, including the identifier of the assigned POS device and an indication of this assignment.

Claim 7

Original Legal Text

7. A computer-implemented method to identify users at locations by comparing facial imaging of users against facial templates of users known to be at particular locations, comprising: by one or more computing devices: receiving, from a user computing device, an account identifier of a user and a merchant beacon identifier, wherein the user computing device receives the merchant beacon identifier from a merchant beacon device located at a location of a merchant system; identifying a merchant system location associated with the merchant beacon identifier; adding a facial template corresponding to the account identifier of the user and the merchant system location to a current customer log comprising facial templates of users currently at the location of the merchant system; and transmitting, to a merchant computing device at the location of the merchant system, the current customer log, wherein the merchant computing device identifies the user based on identifying a facial template from the current customer log that is similar to a facial template generated from a facial image of the user received by the merchant computing device.

Plain English Translation

A computer-implemented method identifies users at locations by managing and distributing a log of currently present users for facial recognition. A central computing system receives a user's account identifier and a merchant beacon identifier from the user's mobile device, where the mobile device obtained the beacon identifier from a local merchant beacon. The central system identifies the merchant location associated with the beacon and adds the user's facial template and location information to a "current customer log" that tracks users currently present at that location. This log, containing facial templates of potentially present customers, is then transmitted to a merchant computing device at that location. The merchant computing device then uses this log to identify a user by finding a matching facial template from a captured facial image.

Claim 8

Original Legal Text

8. The method of claim 7 , further comprising, by the one or more computing devices: determining that the user computing device is no longer in proximity of the merchant beacon device; and removing the facial template of the user and the merchant system location from the current customer log.

Plain English Translation

A computer-implemented method identifies users at locations by managing and distributing a log of currently present users for facial recognition. A central computing system receives a user's account identifier and a merchant beacon identifier from the user's mobile device, where the mobile device obtained the beacon identifier from a local merchant beacon. The central system identifies the merchant location associated with the beacon and adds the user's facial template and location information to a "current customer log" that tracks users currently present at that location. This log is transmitted to a merchant computing device at that location, which then identifies a user by finding a matching facial template from a captured facial image. The central system also monitors user presence; if it determines that the user's mobile device is no longer in proximity to the merchant beacon device, it removes that user's facial template and location from the "current customer log."

Claim 9

Original Legal Text

9. The method of claim 8 , wherein the one or more computing devices determines that the user computing device is no longer in proximity of the merchant beacon device if a subsequent transmission of the user account identifier and the merchant beacon identifier is not received within a threshold amount of time from the user computing device.

Plain English Translation

A computer-implemented method identifies users at locations by managing and distributing a log of currently present users for facial recognition. A central computing system receives a user's account identifier and a merchant beacon identifier from the user's mobile device, where the mobile device obtained the beacon identifier from a local merchant beacon. The central system identifies the merchant location and adds the user's facial template and location information to a "current customer log" that tracks users currently present at that location. This log is transmitted to a merchant computing device at that location, which then identifies a user by finding a matching facial template from a captured facial image. The central system also monitors user presence and determines that the user's mobile device is no longer in proximity to the merchant beacon device if a subsequent transmission of the user account identifier and the merchant beacon identifier is not received within a specified threshold amount of time from the user's mobile device. Upon this determination, the system removes that user's facial template and location from the "current customer log."

Claim 10

Original Legal Text

10. The method of claim 7 , further comprising, by the one or more computing devices: receiving, from the computing device, a facial template associated with an identified user, a transaction total, and a merchant account identifier from the merchant computing device at the location of the merchant system; determining, based on the received facial template, an account identifier associated with the user; transmitting, to a point of sale device, one or more payment account information items associated with the user account; receiving, from the point of sale device, an indication of a selection of a particular payment account information item for use in a transaction; generating a transaction authorization request comprising the transaction total, the merchant account identifier, and the particular payment account information item; transmitting the transaction authorization request to an issuer system associated with the particular payment account information item; receiving, from the issuer system, data comprising an authorization of the transaction authorization request; and transmitting, to the point of sale device for display on the point of sale device, a message regarding authorization of the transaction.

Plain English Translation

A computer-implemented method identifies users at locations by managing and distributing a log of currently present users for facial recognition, and also facilitates transactions. A central computing system receives a user's account identifier and a merchant beacon identifier from the user's mobile device, identifies the merchant location, and adds the user's facial template to a "current customer log." This log is transmitted to a merchant computing device for user identification. Following identification, the central system receives the identified user's facial template, transaction total, and merchant account identifier from the merchant computing device. It then determines the user's full account identifier based on the facial template and transmits associated payment account information to a point-of-sale (POS) device. Upon receiving a selection of a particular payment account from the POS device, the central system generates a transaction authorization request, including the total, merchant ID, and selected payment information. This request is sent to an issuer system, and after receiving approval, the central system transmits an authorization message to the POS device for display.

Claim 11

Original Legal Text

11. The method of claim 10 , further comprising, receiving, from the computing device, an assignment of the identified user to a particular point of sale device at the location of the merchant system, wherein the one or more payment account information are transmitted to the particular point of sale device based on the assignment.

Plain English Translation

A computer-implemented method identifies users at locations by managing and distributing a log of currently present users for facial recognition, and also facilitates transactions. A central computing system receives a user's account identifier and a merchant beacon identifier from the user's mobile device, identifies the merchant location, and adds the user's facial template to a "current customer log." This log is transmitted to a merchant computing device for user identification. Following identification, the central system receives the identified user's facial template, transaction total, and merchant account identifier from the merchant computing device, along with an assignment of the identified user to a particular point-of-sale (POS) device. It then determines the user's full account identifier and transmits associated payment account information specifically to that particular POS device based on the assignment. Upon receiving a selection of a payment account from the POS, the central system generates a transaction authorization request, sends it to the issuer system, and after receiving approval, transmits an authorization message to the POS device for display.

Claim 12

Original Legal Text

12. A computer program product to identify users at locations by comparing facial imaging of users against facial templates of users known to be at particular locations, comprising: a non-transitory computer-readable medium having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to: receive, from one or more computing devices, one or more facial templates, each facial template associated with a corresponding user associated with a corresponding user computing device that received a broadcasted identifier at a location and retransmitted the identifier to one or more other computing devices, each facial template comprising a representation of a respective facial image of the respective user; capture a facial image of the particular user; generate a facial template based on the facial image of the particular user, wherein the facial template of the particular user is a representation of the facial image of the particular user; determine a similarity between the generated facial template and each of the one or more stored facial templates; identify a particular received facial template as corresponding to the generated facial template of the particular user based on the determined similarity between the generated facial template and the particular received facial template exceeding a threshold value indicating that the received facial template corresponds to the generated facial template of the particular user; and transmit a response to a request to identify a user comprising an indication of the identified particular user.

Plain English Translation

A computer program product provides a computer-implemented method to identify users at locations by comparing facial imaging against facial templates. When executed by a computer, the program instructions cause the computer to: receive facial templates from a central system. These templates are for users whose mobile devices received a broadcast identifier at a location and retransmitted it to a central system. The program then causes the computer to capture a facial image of a specific user, generate a facial template from it, and determine its similarity to each of the received templates. If the similarity exceeds a threshold, a particular received template is identified as corresponding to the captured user. Finally, the program causes the computer to transmit a response containing an indication of the identified user.

Claim 13

Original Legal Text

13. The computer program product of claim 12 , wherein capturing the facial image of the particular user comprises: capturing, by a camera module of the computing device, a video feed of an environment external to the computing device, wherein the environment external to the computer comprises a user located in proximity to one or more merchant system point of sale devices; and extracting, by the computing device, the facial image of the particular user from the video feed.

Plain English Translation

A computer program product provides a computer-implemented method to identify users at locations by comparing facial imaging against facial templates. When executed by a computer, the program instructions cause the computer to: receive facial templates from a central system. These templates are for users whose mobile devices received a broadcast identifier at a location and retransmitted it to a central system. To capture a facial image of a specific user, the program causes the computer's camera module to capture a video feed of the surrounding environment, which includes users located near one or more merchant point-of-sale (POS) devices, and then extract the user's facial image from this video feed. A facial template is then generated from this image and compared against the received templates. If a match is found, the user is identified, and a response containing the identified user's information is transmitted.

Claim 14

Original Legal Text

14. The computer program product of claim 12 , wherein the request to identify the user is received from a merchant system point of sale device and wherein the response to the request to identify the user is transmitted to the merchant point of sale device.

Plain English Translation

A computer program product provides a computer-implemented method to identify users at locations by comparing facial imaging against facial templates. When executed by a computer, the program instructions cause the computer to: receive a request to identify a user from a merchant point-of-sale (POS) device. It then receives facial templates from a central system. These templates are for users whose mobile devices received a broadcast identifier at a location and retransmitted it to a central system. The program captures a facial image of a specific user, generates a facial template from it, and determines its similarity to the received templates. If the similarity exceeds a threshold, a particular template is identified as corresponding to the captured user. Finally, the program causes the computer to transmit a response containing the identified user's information to the merchant POS device.

Claim 15

Original Legal Text

15. The computer program product of claim 13 , wherein the merchant point of sale device processes a transaction using payment account information associated with the identified user at a time after the request to identify the user is transmitted to the merchant point of sale device.

Plain English Translation

A computer program product provides a computer-implemented method to identify users at locations by comparing facial imaging against facial templates. When executed by a computer, the program instructions cause the computer to: receive a request to identify a user. It then receives facial templates from a central system for users whose mobile devices are at the location. The program captures a video feed of the environment with its camera module, including users near point-of-sale (POS) devices, and extracts a facial image of a user. A facial template is generated and compared against received templates. If a match is found, the user is identified, and a response with the identified user's information is transmitted. After this request to identify the user is transmitted, a merchant POS device then processes a transaction using payment account information associated with the identified user.

Claim 16

Original Legal Text

16. The computer program product of claim 13 , wherein the non-transitory computer-readable medium further comprises computer-readable program instructions embodied thereon that when executed by the computer cause the computer to: determine, based on a frame of the video feed, a position of a face of the user and positions of each of one or more point of sale devices at the merchant location; and assign, based on distances between the face of the user and each of the one or more point of sale devices in the frame of the video feed, the user to a particular point of sale device of the one or more point of sale devices, wherein the indication of the identity of the user further comprises an identifier of the particular point of sale device and an indication of the assignment of the user to the particular point of sale device.

Plain English Translation

A computer program product provides a computer-implemented method to identify users at locations by comparing facial imaging against facial templates. When executed by a computer, the program instructions cause the computer to: receive facial templates from a central system. These templates are for users whose mobile devices received a broadcast identifier at a location and retransmitted it to a central system. The program captures a video feed of the environment using its camera module, including users near point-of-sale (POS) devices, and extracts a facial image of a user. Based on a frame of this video feed, the program determines the user's face position and the positions of one or more POS devices at the merchant location. It then assigns the user to a specific POS device based on their proximity. A facial template is generated from the extracted image and compared against the received templates. If a match is found, the user is identified. The program transmits a response containing the identified user's information, including the assigned POS device's identifier and an indication of the assignment.

Claim 17

Original Legal Text

17. A system to identify users at locations by comparing facial imaging of users against facial templates of users known to be at particular locations, comprising: a storage device; and a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to: receive, from a user computing device, an account identifier of a user and a merchant beacon identifier, wherein the user computing device receives the merchant beacon identifier via a network connection with a merchant beacon device located at a location of a merchant system; identify a merchant system location associated with the merchant beacon identifier; add a facial template corresponding to the account identifier of the user and the merchant system location to a current customer log comprising facial templates of users currently at the location of the merchant system; and transmit, to a computing device at the location of the merchant system, the current customer log, wherein the computing device identifies the user based on identifying a facial template from the current customer log that is similar to a facial template generated from a received facial image of the user.

Plain English Translation

A computer system identifies users at locations by managing and distributing a log of currently present users for facial recognition. The system comprises a processor and storage, with the processor executing instructions to: receive a user's account identifier and a merchant beacon identifier from the user's mobile device. The mobile device received the beacon identifier via a network connection with a merchant beacon located at a merchant system. The system identifies the merchant location associated with the beacon and adds the user's facial template and location to a "current customer log" that tracks users currently present. This log, containing facial templates of potentially present customers, is then transmitted to a computing device at that merchant location. This merchant computing device then identifies the user by finding a matching facial template from a captured facial image against the received current customer log.

Claim 18

Original Legal Text

18. The system of claim 17 , wherein the processor is further configured to execute computer-readable program instructions stored on the storage device to cause the system to: determine that the user computing device no longer maintains a network connection with the merchant beacon device; and remove the facial template of the user and the merchant system location from the current customer log.

Plain English Translation

A computer system identifies users at locations by managing and distributing a log of currently present users for facial recognition. The system receives a user's account identifier and a merchant beacon identifier from the user's mobile device (which connected to a merchant beacon), identifies the merchant location, and adds the user's facial template to a "current customer log." This log is transmitted to a merchant computing device for user identification based on captured facial images. Additionally, the system monitors user presence; if it determines that the user's mobile device no longer maintains a network connection with the merchant beacon device, it removes that user's facial template and location from the "current customer log."

Claim 19

Original Legal Text

19. The system of claim 17 , wherein determining that the user computing device no longer maintains the network connection with the merchant beacon device comprises determining that a subsequent transmission of the user account identifier and the merchant beacon identifier is not received within a threshold amount of time from the user computing device.

Plain English Translation

A computer system identifies users at locations by managing and distributing a log of currently present users for facial recognition. The system receives a user's account identifier and a merchant beacon identifier from the user's mobile device (which connected to a merchant beacon), identifies the merchant location, and adds the user's facial template to a "current customer log." This log is transmitted to a merchant computing device for user identification based on captured facial images. Additionally, the system monitors user presence and determines that the user's mobile device no longer maintains a network connection with the merchant beacon device if a subsequent transmission of the user account identifier and the merchant beacon identifier is not received within a specified threshold amount of time from the user's mobile device. Upon this determination, the system removes that user's facial template and location from the "current customer log."

Claim 20

Original Legal Text

20. The system of claim 17 , wherein the processor is further configured to execute computer-readable program instructions stored on the storage device to cause the system to: receive, from the computing device, a facial template associated with an identified user, a transaction total, and a merchant account identifier from the computing device at the location of the merchant system; determine, based on the received facial template, an account identifier associated with the user; transmit, to a point of sale device, one or more payment account information associated with the user account; receive, from the point of sale device, an indication of a selection of a particular payment account information for use in a transaction; generate a transaction authorization request comprising the transaction total, the merchant account identifier, and the particular payment account information; transmit the transaction authorization request to an issuer system associated with the particular payment account; receive, from the issuer system, data comprising an approval of the transaction authorization request; and transmit, to the point of sale device for display on the point of sale device, a receipt comprising a summary of the transaction.

Plain English Translation

A computer system identifies users at locations by managing and distributing a log of currently present users for facial recognition, and also facilitates transactions. The system receives a user's account identifier and a merchant beacon identifier from the user's mobile device (which connected to a merchant beacon), identifies the merchant location, and adds the user's facial template to a "current customer log." This log is transmitted to a merchant computing device for user identification. Following identification, the system receives the identified user's facial template, transaction total, and merchant account identifier from the merchant computing device. It determines the user's account identifier based on the received facial template and transmits associated payment account information to a point-of-sale (POS) device. Upon receiving a selection of a payment account from the POS device, the system generates a transaction authorization request, including the total, merchant ID, and selected payment information. This request is sent to an issuer system, and after receiving approval, the system transmits a receipt summarizing the transaction to the POS device for display.

Patent Metadata

Filing Date

Unknown

Publication Date

July 28, 2020

Inventors

Sashikanth Chandrasekaran
Dmitry Kalenichenko
Timothy Raymond Zwiebel

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